Privacy Policy

Protecting your private information is our priority. This Privacy Policy applies to loansville.ca and Loansville Inc. ("Loansville", "we", "us") and governs data collection and usage. References to Loansville include loansville.ca. The Loansville website offers online payday loans to Ontario residents. By using the Loansville website, you consent to the data practices described in this Policy.

1. Information we collect

To provide the products and services offered on our site, Loansville may collect personally identifiable information, such as your:

First and last name
Mailing address
Email address
Phone number
Employer
Social Insurance Number (SIN)
Income

We do not collect personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information when you use certain products or services on the site, including when you (a) apply for a loan or register for an account, or (b) send us an email or a message. We will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We may also gather additional personal or non-personal information in the future.

Bank verification. When you apply, you verify your identity and income through your online banking using our instant bank verification (IBV) provider, Trust Science. Trust Science is the only bank-verification provider we use. It shares with us the income and banking information needed to assess your application.

2. How we use your information

Loansville collects and uses your personal information to operate its website and deliver the services you have requested, including assessing your application, verifying your identity and income, administering your loan and meeting legal and regulatory requirements.

Loansville does not sell, rent or lease its customer lists to third parties.

We do not sell your personal information, and we do not share payday loan application information with business partners for their marketing.

Loansville uses service providers that work on our behalf (for example, website hosting, email delivery, analytics, bank verification and e-signature) to run our services. These service providers are prohibited from using your personal information except to provide these services to Loansville, and they are required to maintain the confidentiality of your information.

Loansville may disclose your personal information, without notice, if required to do so by law or in the good-faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Loansville or the site; (b) protect and defend the rights or property of Loansville; and/or (c) act under exigent circumstances to protect the personal safety of users of Loansville, or the public.

4. Personal-loan referral form

Our personal loan page is for people outside Ontario and hosts a form from a third-party lender network (LoanConnect, via LeadScout). Information you enter in that form is collected by that third party and handled under its own privacy policy, and Loansville may receive compensation for referrals. That form is separate from Loansville's payday loan application.

5. Cookies, pixels and tracking

Tracking user behaviour. Loansville may keep track of the websites and pages our users visit within Loansville, in order to determine which Loansville services are the most popular. This data is used to deliver customized content and advertising within Loansville to customers whose behaviour indicates that they are interested in a particular subject area.

Automatically collected information. Information about your computer hardware and software may be automatically collected by Loansville, including your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Loansville website.

Cookies and similar technologies. Like most websites, the Loansville website uses cookies and similar technologies, such as pixel tags and your browser's local storage. A cookie is a small text file that a website places on your device. Cookies cannot run programs or deliver viruses to your computer. We use them for three purposes:

Site function: to make the website work properly, for example to run our chat assistant and reviews widget, keep pages secure and remember basic settings.
Analytics: we use Google Analytics, which we load through Google Tag Manager, to understand how visitors use our website, such as which pages are viewed, how visitors arrive and whether an application is started or completed. This helps us improve the site.
Meta (Facebook) pixel measurement: the Meta pixel tells us when visitors who came from Facebook or Instagram view our pages or submit an application, so we can measure how well our presence on those platforms works. Meta handles the information it receives under its own privacy policy.

Your choices. You can control cookies yourself in these ways:

Browser settings: most browsers let you block or delete cookies and clear site data in their settings. If you block all cookies, some features of our website, such as the chat assistant, may not work properly.
Google Analytics: you can opt out of Google Analytics on all websites by installing Google's Google Analytics opt-out browser add-on.
Meta (Facebook): you can manage how Meta uses your information for ads in the ad preferences section of your Facebook settings.

Pixel tags. Pixel tags (or clear gifs) are small transparent images placed on a website that are not normally visible. They provide non-identifiable information about your use of the website. Loansville uses pixel tags to note pages visited on its website and to assist in the administration of affiliate accounts. The tools we currently use are Google Tag Manager, Google Analytics, the Meta (Facebook) pixel, a Google reviews widget, our website chat assistant (Aminos), and, on the personal-loan referral page only, our referral partner's form (LeadScout/LoanConnect).

6. Links to other sites

This website contains links to other sites. We are not responsible for the content or privacy practices of other sites. We encourage you to be aware when you leave our site and to read the privacy statements of any other site that collects personally identifiable information.

7. Security of your personal information

Your safety and privacy are our utmost priority, and we use various tools and technologies to protect your information. Your partnership also helps build a strong defence against criminals. Some (but not necessarily all) of the steps you can take to protect yourself include:

Use a strong, unique password for each account and device. Never write it down or save it anywhere.
Don't click a link in an email, text or other message without validating the sender and confirming it comes from a trusted source.
Never download or open attachments from an unfamiliar sender.
Don't rely on a display name without checking the email address behind it. We send emails to consumers only from "@loansville.ca" email addresses.
Don't respond to emails, calls or texts that ask for personal information or account details, or that create a false sense of urgency. If you're unsure whether a message is from us, call 1-855-472-3542 or email [email protected].
Protect your devices with up-to-date antivirus software, and lock them with a passcode or password that is hard to guess.
Don't share your computer, password or other login credentials with an unknown person.
Periodically consider permanently deleting personal information from your devices.

If you notice suspicious activity, such as fraudulent emails that appear to come from Loansville, call us at 1-855-472-3542 and consider contacting your local police.

We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. However, no data transmission over the internet or any wireless network or device can be guaranteed to be 100% secure. While we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the internet that are beyond our control; and (b) the security, integrity and privacy of information and data exchanged between you and us through this site cannot be guaranteed.

8. Children

Loansville does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under thirteen, you must ask your parent or guardian for permission to use this website. Payday loans are available only to applicants 18 and older.

9. Opting out and unsubscribing

From time to time, Loansville may contact you by email to provide announcements, promotional offers, alerts, confirmations, surveys and/or other general communication. To stop receiving marketing or promotional emails from Loansville, click the unsubscribe link in the email.

10. External data storage

We may store your data on servers provided by third-party hosting vendors with whom we have contracted.

11. Changes to this policy

Loansville may change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address in your account, by placing a prominent notice on our site, and/or by updating the privacy information on this page. Your continued use of the site and/or services after such changes will constitute your (a) acknowledgment of the modified Privacy Policy and (b) agreement to abide and be bound by it.

12. Personal Information Consents and Representations Agreement

I agree that Loansville may verify my name, address, phone number and other account details with information about myself held by third-party sources, including TransUnion and my mobile service provider, in order to verify my identity and help protect myself and Loansville against potential fraud, such as when someone other than myself is trying to open an account with Loansville without my permission. I consent to such third-party sources disclosing and/or comparing my information for this purpose. My personal information received from these sources will not be used by Loansville or shared with any third parties for any other purpose.

I understand and agree that Loansville may collect, use and/or disclose My Personal Information for any or all of the purposes disclosed in this Agreement, and I authorize Loansville to access my credit report (or other similar report), and to call or message a phone number or send an email to an address I have provided, for those purposes.

I may periodically provide to Loansville Inc. and/or its franchises, agents, representatives, affiliates, successors and assigns (collectively "Loansville"), and Loansville may periodically collect from or about me, certain personal information and records, which may include: name; current home and work addresses (including email addresses); previous addresses; current phone numbers (home, work or other); physical descriptors and other identifiers (including date of birth and Social Insurance Number); credit history, including credit reports, consumer reports, personal reports or other similar reports; next of kin; personal references; source and amount of income; financial information necessary to verify my creditworthiness; transactions with Loansville; and agreements and other documents relating to transactions with Loansville ("My Personal Information").

I understand that Loansville collects, and as permissible by law uses and/or discloses, My Personal Information for any or all of the following purposes:

to obtain credit information and credit reports (or other similar reports) on me from credit reporting agencies (or other similar entities) to assess credit history and creditworthiness and to confirm the accuracy of information I provide;
to confirm my identity;
to meet legal and regulatory requirements;
to confirm details of my employment;
to collect a debt that may become owed to Loansville;
to extract certain information to generate statistics for its internal purposes;
to record, track and respond to my feedback and complaints;
to evaluate, complete or facilitate any business transaction or prospective business transaction involving Loansville, including the purchase or sale of all or part of Loansville or its assets, the making of a loan or other financing to Loansville, and the creation of a charge or security interest on any assets of Loansville (a "Business Transaction"), and as may be required to be disclosed to, or collected and used by, third parties for the same; and
to facilitate and allow verification of my transactions with Loansville, including origination, payment and charge-off of my loan, by third parties that may be located in the United States of America ("USA") and Europe, and as may be required as part of any Business Transaction involving Loansville.

I further understand that Loansville will share and store My Personal Information and other transaction information with affiliated companies of Loansville located in the USA for the purposes listed above, and that Loansville will track my feedback and complaints using a third-party service provider whose servers are located in Europe, and I agree to and authorize such collection, use and disclosure.

By using the services of Loansville, I consent to Loansville and the third parties referenced above collecting, and as permissible by law using and disclosing, My Personal Information for these purposes. Without limiting any other provision of this Agreement or any other agreement between Loansville and me, I specifically consent to and authorize Loansville to: (a) verify the accuracy of the information in my application by, among other actions, checking my credit report (or other similar reports) before entering into any transaction with Loansville for the purposes above; (b) check my credit report (or other similar reports) for any legitimate business need in connection with a transaction between me and Loansville; (c) submit my application to a consumer reporting agency (or other similar entity); (d) call my employer to confirm employment; (e) contact me for any reason related to my loan application, my loan, and Loansville's services and promotions; and (f) obtain my bank account information. If I obtain one or more loans from Loansville, I authorize Loansville to service my transactions by obtaining information about my whereabouts from the contact persons I have listed.

I represent and agree that My Personal Information provided to Loansville is accurate and complete. If My Personal Information changes, I agree to advise Loansville.

I consent and agree to use and accept electronic signatures, electronic records and electronic disclosures in connection with any and all transactions I have with Loansville, and specifically consent to Loansville delivering any agreements and associated documentation, information and records, including disclosures, receipts and notices (collectively "Documents"), to me by email at the address I provided. I understand that I can access electronic records and that I may request a paper copy of the Documents at any time at no charge.

I consent and agree that Loansville may contact me at any address, email or telephone number I have provided to Loansville.

This Agreement is effective from the time I agree to it, whether or not my dealings with Loansville result in a loan agreement, until I withdraw my agreement and consent.

13. Contact our Privacy Officer

Loansville welcomes your questions or comments about this Privacy Policy. If you believe Loansville has not followed it, please contact:

Privacy Officer, Loansville Inc.
157 Bridge Street, Unit B, Carleton Place, Ontario K7C 2V6
Email: [email protected] (we respond 24/7)
Toll-free: 1-855-472-3542